| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: BENEFIT MALL CENTERSTONE INS | 1133 WESTCHESTER AVENUE STE S-229 WHITE PLAINS, NY 10604 | UNITED HEALTHCARE INSURANCE COMPANY | — | $11K | $11K | 0.84% |
| IRVING FLAMER3 | 520 BROADHOLLOW ROAD MELVILLE, NY 11747 | UNITED HEALTHCARE INSURANCE COMPANY | $11K | — | $11K | 0.83% |
| THE VARSITY GROUP INC3 | 520 BROADHOLLOW ROAD MELVILLE, NY 11747 | UNITED HEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 0.09% |
| IRVING FLAMER3 | 520 BROADHOLLOW ROAD MELVILLE, NY 11747 | UNITED HEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 5.22% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: BENEFIT MALL CENTERSTONE INS | 1133 WESTCHESTER AVENUE STE S-229 WHITE PLAINS, NY 10604 | UNITED HEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 4.59% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FIN SVCES | 1133 WESTCHESTER AVENUE STE S-229 WEST HARRISON, NY 10604 | UNITED HEALTHCARE INSURANCE COMPANY | — | $2K | $2K | 4.47% |
| THE VARSITY GROUP INC3 Filed as: THE VARSITY GROUP | 520 BROADHOLLOW ROAD MELVILLE, NY 11747 | UNITED HEALTHCARE INSURANCE COMPANY | $310 | — | $310 | 0.58% |
| IRVING FLAMER3 | 520 BROADHOLLOW ROAD MELVILLE, NY 11747 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 7.77% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FIN SVCES | 12404 PARK CENTRAL DRIVE DALLAS, TX 75251 | STANDARD INSURANCE COMPANY | — | $2K | $2K | 5.90% |
| IRVING FLAMER3 | 520 BROADHOLLOW ROAD MELVILLE, NY 11747 | ANTHEM BLUE CROSS BLUE SHIELD | $695 | — | $695 | 5.74% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FIN SVCES | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | ANTHEM BLUE CROSS BLUE SHIELD | — | $457 | $457 | 3.77% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 213 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 213 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 111 | $1.3M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 128 | $53K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 226 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 226 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.